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Product Details

Towergate Health & Beauty for Beauticians


The Towergate Health and Beauty Insurance policy has been designed to meet the demands and needs of qualified beauticians and holistic therapists who wish to purchase a policy that will help to protect them against claims arising from treatments given to their clients


The main benefits of the policy are:


  • £5,000,000 indemnity limit for Public, Products and Professional Treatment Liability
  • Extensive number of treatments covered as standard (see treatment list)
  • Optional cover for more advanced treatments
  • Provides cover for you anywhere in the UK, Channel Islands and Isle of Man whether you work on a mobile basis, operate from home or in a salon
  • Optional Property and Equipment Cover with a flat sum insured of £5,000 or £10,000
  • Dissatisfaction cover - Where no injury has been caused cover is still provided with a limit of £50,000, in any one period of insurance.
  • Case Studies cover. This provides cover for carrying out case studies whilst training for a new treatment, provided the treatment is contained within the treatment list.
  • Retroactive cover. This provides cover for any claim made against you during your period of insurance which occurred prior to the start date of your policy.

The main exclusions and conditions are:


  • Relevant certificates and or qualifications must be held for the covered treatment
  • All open-blade razors or needles used are brand new or thoroughly sterilised
  • Treatments must be carried out in accordance with manufacturers instructions.
  • Excess of £100 applies in respect of claims for damage to other peoples property

Any other exclusions and conditions are shown in the Policy Wording and the Policy Appendix 1 or summarised in the Summary Of Cover.

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